The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,023
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,210
−HK$191/mo
Today · 4.125%
HK$6,401
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,802/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,701
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,880
−HK$183/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,435
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,126/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,228
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$228/mo
Today · 4.125%
HK$7,681
baseline
▲ 0.50% · 4.625%
HK$8,148
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,362/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,041
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$219/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,922
+HK$447/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,950/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,432
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$266/mo
Today · 4.125%
HK$8,961
baseline
▲ 0.50% · 4.625%
HK$9,506
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,922/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,381
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$256/mo
Today · 4.125%
HK$9,888
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,776/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,842
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$342/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,223
+HK$702/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,042/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,061
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,385
−HK$328/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,383
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,426/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).